Cyber Fraud — First 24 Hours Checklist

Use this in the order shown. Tick each item as you complete it. Keep a copy with the proofs.

Step 1 — Freeze the money trail (first 30 minutes)

• Call your bank's 24×7 helpline and ask to block the card / UPI / net-banking. Note the call reference.
• Dial 1930 (Cyber Crime Helpline) and report the incident. Note the complaint reference.
• If money has left, ask the bank to raise a dispute / chargeback and to flag the beneficiary account.

Step 2 — Capture evidence (first 2 hours)

• Take screenshots of every screen you saw — SMS, app, call log, payment confirmation, error message.
• Note the exact timestamps (date + time) and the device used.
• Write a one-page incident summary while memory is fresh — what happened, in what order, who said what.

Step 3 — File the official report (within 24 hours)

• Register the case at cybercrime.gov.in (national portal). Save the acknowledgement PDF.
• If amount is significant or ongoing, visit your local police station and file an FIR / NCR. Get a stamped copy.
• Send a written email to the bank's grievance officer attaching the 1930/cybercrime acknowledgement.

Incident details (fill in)

Step 4 — Follow-up (next 7 days)

• Call the cyber-cell on the number printed on the acknowledgement. Note name + designation of the officer.
• Ask the bank for the investigation timeline in writing.
• Change all passwords, enable 2-step verification on email and bank apps.
• If a relative / elder is involved — brief one trusted family member so they can spot follow-up scam calls.